JP2022110800A - Information providing apparatus, information providing method, and program - Google Patents

Abstract

To provide an information providing apparatus for presenting a recommended financial product to a user in a simple form, an information providing method, and a program.SOLUTION: An information providing server 100 includes: an information acquisition unit 130 which acquires information on a financial product held by a user; and a financial product recommendation unit 140 which compares the holdings information with preset model portfolio information, and transmits recommendation information to recommend a financial product of a deficient kind based on the model portfolio to a terminal device of the user.SELECTED DRAWING: Figure 1

Description

The present invention relates to an information providing device, an information providing method, and a program.

Conventionally, in a securities information processing system that supports securities investment by customers by displaying securities information according to customer needs on a computer screen, financial assets currently held by customers are classified or aggregated by product. a current portfolio calculation means for calculating a current portfolio that indicates the current investment form of the customer, and a model that indicates the investment form recommended to the customer based on the financial asset information obtained from the results of the customer's investment interview. A securities information processing system comprising model portfolio calculation means for calculating a portfolio and display means for simultaneously displaying on the same screen a current portfolio calculated by the current portfolio calculation means and a model portfolio calculated by the model portfolio calculation means. An invention is known (Patent Document 1).

Japanese Patent Application Laid-Open No. 2004-240720

It takes time and effort for the user to analyze the portfolio of financial assets and search for financial products that complement the weaknesses of his/her portfolio. Conventional technologies sometimes fail to present recommended financial products to users in a simple manner.

The present invention has been made in consideration of such circumstances, and provides an information providing device, an information providing method, and a program capable of presenting recommended financial products to users in a simple manner. is one of the purposes.

According to one aspect of the present invention, an information acquisition unit that acquires information on financial products owned by a user, compares the information on financial products owned by the user with preset model portfolio information, and a financial product recommendation unit that transmits, to the terminal device of the user, recommended information that recommends a type of financial product that is lacking based on portfolio information.

According to one aspect of the present invention, recommended financial products can be presented to the user in a simple manner.

It is a figure which shows an example of a structure and a use environment of the information provision server 100 which is an example of an information provision apparatus. 4 is a diagram showing an example of changes in content provided by the information providing server 100 to the terminal device 400. FIG. 4 is a diagram showing an example of changes in content provided by the information providing server 100 to the terminal device 400. FIG. 4 is a diagram showing an example of changes in content provided by the information providing server 100 to the terminal device 400. FIG. 4 is a diagram showing an example of contents of user information 162. FIG. 3 is a diagram showing an example of the contents of financial product information 172. FIG. FIG. 11 is a diagram showing an example of the content of ranking guideline information 174. FIG. FIG. 13 is a diagram showing an example of the contents of model portfolio information correction guideline information 176;

Hereinafter, embodiments of an information providing apparatus, an information providing method, and a program according to the present invention will be described with reference to the drawings. The information providing device is realized by one or more processors (computers). One or more processors function as information providing devices, for example, by executing programs stored in storage devices. The information providing device is configured based on, for example, a web server, an application server, or the like. The information providing device provides information to the user by transmitting information in the form of a web page or the like to the terminal device of the user and displaying (outputting) a screen on the terminal device. The information providing device comprehensively provides financial information, for example. The terminal device of the user may be the terminal device owned by the user, or at a facility such as an Internet cafe where terminal devices are rented, or by borrowing a terminal device from another person and using the service under his/her own user name. It may be a logged-in device, that is, a temporary terminal device.

[Constitution]
FIG. 1 is a diagram showing an example of the configuration and usage environment of an information providing server 100, which is an example of an information providing apparatus. The information providing server 100 acquires various types of information from the financial institution server 200 and provides the information as described above. The information providing server 100 communicates with the financial institution server 200, the other service providing server 300, and the terminal device 400 via the network NW. Networks include WANs (Wide Area Networks), LANs (Local Area Networks), the Internet, cellular networks, and the like.

First, the other service providing server 300 and the terminal device 400 will be described. The other service providing server 300 is a device that cooperates with the UA (User Agent) 410 of the terminal device 400 to provide services such as shopping, auction, scheduler, map, etc. to the user using the terminal device 400 . The other service providing server 300 can acquire or estimate various types of information of the user in providing these services. The other service providing server 300 supplies the acquired or estimated information to the information providing server 100, for example.

The terminal device 400 is a computer device having a communication function and a display function, such as a smart phone, a personal computer, or a tablet terminal. In terminal device 400, a processor such as a CPU (Central Processing Unit) executes UA 410 to implement services provided by information providing server 100, financial institution server 200, and other service providing server 300 (in other words, the services provided by (playing content that

The information providing server 100 includes, for example, a communication unit 110, a main content providing unit 120, an information acquisition unit 130, and a financial product recommendation unit 140. The financial product recommendation unit 140 includes, for example, a ranking processing unit 142 and a model portfolio information correction unit 144. The communication unit 110 is, for example, a communication interface such as a network card for connecting to the network NW. The main content providing unit 120, the information acquiring unit 130, and the financial product recommending unit 140 are realized, for example, by a hardware processor such as a CPU (Central Processing Unit) executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device. The function of each component will be described later.

The information providing server 100 uses various types of information stored in the service data server 160 to execute processing described below. The service data server 160 is, for example, a storage device that the information providing server 100 can access via a secure network. Alternatively, the service data server 160 may be a storage device attached to the information providing server 100 . The service data server 160 stores user information 162, search history information 164, purchase history information 166, other action history information 168, model portfolio information 170, financial product information 172, ranking guideline information 174, model portfolio correction guideline information 176, etc. information is stored. Some or all of the model portfolio information 170, the financial product information 172, the ranking guideline information 174, and the model portfolio correction guideline information 176 are embedded in the program executed by the information providing server 100. may

The financial institution server 200 has, for example, a communication section 210 and an information management section 220 . Communication unit 210 is a communication interface similar to communication unit 110 . The information management unit 220 is implemented, for example, by a hardware processor such as a CPU executing a program (software). Functions of the information management unit 220 will be described later.

The financial institution server 200 uses various types of information stored in the financial institution data server 240 to execute processing described below. Financial institution data server 240 is, for example, a storage device that can be accessed by financial institution server 200 via a secure network. Alternatively, financial institution data server 240 may be a storage device attached to financial institution server 200 . Financial institution data server 240 stores information such as investment balance information 244 . The information management unit 220 updates the investment balance information 244 according to transactions with the user. In addition, the information management unit 220 provides necessary information from the investment balance information 244 to the information providing server 100 in response to a request from the information providing server 100 .

[Service overview]
Before describing each functional unit, an outline of the service (content) provided by the information providing server 100 will be described. 2 to 4 are diagrams showing examples of changes in contents (screens) provided (output or transmitted) by the information providing server 100 to the terminal device 400. FIG. The upper diagram in FIG. 2 is an example of the top page (before login) of the content provided by the information providing server 100 . The information providing server 100 first causes the terminal device 100 to display a top page provided with a link L1 for allowing the user to log in. FIG. When the user completes the login by entering the user ID and password, the information providing server 100 causes the terminal device 100 to display the top page (after login) shown in the middle diagram of FIG. Note that if the login state is maintained by a cookie or application program function, the display of the top page (before login) may be skipped. The top page (after login) is provided with a button B1 for displaying recommended information corresponding to the logged-in user (here, "AA"). When the user operates the button B1 by clicking, tapping, or the like, the information providing server 100 causes the terminal device 400 to display a recommendation screen shown in the lower diagram of FIG. The recommendation screen displays information notifying that there is a proposal for the ratio (investment ratio) of the financial products owned by this user. The recommendation screen is provided with a link L1 to a web page presenting recommended investment ratio information. When the link L1 is operated, the screen transitions to the investment ratio recommendation screen illustrated in FIG.

As shown in FIG. 3, on the investment ratio recommendation screen, for example, for each type of financial product such as domestic stock fund, domestic bond fund, developed country stock fund, emerging country stock fund, developed country bond fund, and emerging country bond fund, The target ratio defined by the model portfolio information 170 and the user's investment ratio are compared and displayed in the area A1 in the form of graphs, numerical values, or the like. In addition, in area A2, information is posted that recommends purchasing (investing) the type of financial product that falls short of the target ratio by a standard or more (for example, the difference in ratio is equal to or greater than a threshold value). A link group L2 is provided to a screen presenting recommended financial products among the missing types of financial products. When the user operates one of the links in the group of links L2, the screen transitions to the financial product introduction screen illustrated in FIG. Here, it is assumed that "see recommendations for emerging country stocks" has been manipulated.

As shown in FIG. 4, the financial product introduction screen presents financial products ranked high by the ranking process among the financial products of the type specified on the investment ratio recommendation screen. In FIGS. 3 and 4 and the following description, it is assumed that the financial products to be purchased are exclusively investment trust products. The financial product introduction screen displays the name of the investment trust company, the name of the fund, and the like. Each of these displays may also be provided with a link group L3, and when the link is operated, the screen may transition to the fund purchase page or the top page of the investment trust company. On the financial product introduction screen, the reason for recommending the financial product may be presented along with the financial product to be introduced. For example, if the user is a man in his thirties, a reason such as "This financial product is popular among men in their thirties" may be added.

In Figures 3 and 4 and in the following description, the financial products to be purchased are exclusively investment trust products, but not limited to these, securities, bonds, futures/options, cryptocurrencies, etc. The purchase may be recommended as The financial institution server 200 is operated by a financial institution (such as a bank) that can handle cash deposits and investment trusts. group). In that case, the information providing server 100 may perform processing in cooperation with the financial institution server 200 of the financial institution that handles cash and deposits, and the financial institution server 200 of the financial institution that handles securities and the like.

[Functions of each part]
The function of each part of the information providing server 100 will be described below. The main content providing unit 120 provides the terminal device 400 with content including various information related to financial information, such as the top page shown in FIG. 2 and the stock price search result screen. The main content providing unit 120 manages user login information and the like, and may perform authentication processing or the like in response to a user login request.

The information acquisition unit 130 acquires information on financial products owned by the user from the financial institution server 200 . The acquired information is reflected in the user information 162 .

FIG. 5 is a diagram showing an example of the contents of the user information 162. As shown in FIG. The user information 162 is, for example, a user ID associated with information such as age, sex, occupation, family composition, hobbies/preferences, character, investment intention information, and investment balance.

Age, gender, occupation, family composition, personality, and hobbies/tastes among the above may be information input by the user himself at some time, or may be information entered by the user himself/herself at some time. , or other information estimated based on the action history information 168 or the like. The search history information 164 is information that collects queries of searches performed by users in content provided by the information providing server 100 and the other service providing server 300 . The purchase history information 166 is information that collects the history of purchases or purchase considerations by users in electronic commerce such as online shopping, online auctions, and flea markets (which may include the history of browsing product introduction pages, etc.). Other action history information 168 is a collection of histories of pages browsed by users in services such as schedulers and map applications. By referring to this information, for example, if the user regularly purchases disposable diapers through online shopping, it can be estimated that the user has children. In addition, the gender can be estimated by referring to the contents of the history of purchasing clothes through online shopping. Also, if the user frequently applies for overseas trips on the travel site, it can be inferred that overseas trips are his/her hobby. Furthermore, if the other action history information 168 includes location information, it is possible to estimate a hobby/preference or a place of work by referring to information on frequently visited locations. Such estimation processing is performed by the information providing server 100 or the other service providing server 300 , and the estimation result is added to the user information 162 .

The investment intention information is, for example, information indicating the results of a questionnaire conducted when the user opens a financial account at a financial institution that operates the financial institution server 200 . The investment intention information is selected by the user from questionnaire items such as "long-term stability" and "short-term return aim". This information is held by the financial institution data server 240 (not shown) and provided to the information providing server 100 as needed. The information acquisition unit 130 adds the provided investment intention information to the user information 162 .

The investment balance is, for example, information including information such as names of financial products held by the user and their market prices. These information are based on the investment balance information 244 held in the financial institution data server 240 . The investment balance information 244 is information in which the user ID is associated with the balance of each financial product and the amount evaluated by the market price. The financial institution server 200 provides this information to the information providing server 100 as needed. The information acquisition unit 130 edits the provided information in the form of investment balance and adds it to the user information 162 . Here, user IDs may or may not be collated between the user information 162 and the investment balance information 244 . In the latter case, the service data server 160 or the like may hold user ID association information for the same person, and name identification may be performed using the association information.

[Recommendation processing]
Recommendation processing by the financial product recommendation unit 140 will be described below. As described above, the financial product recommendation unit 140 compares the information on financial products owned by the user with the preset model portfolio information 170, and uses the model portfolio information 170 as a reference to recommend the type of financial product that is lacking. Recommended information recommending a product is transmitted to the terminal device 400 of the user. The model portfolio information 170 may be information set for each user, or information common to all users or a predetermined group of users. For example, the model portfolio information 170 is {domestic stock fund:domestic bond fund:developed country stock fund:emerging country stock fund:developed country stock fund:emerging country bond fund}={18:18:18:14:18:14 } is information representing the ratio. The financial product recommendation unit 140 aggregates the market prices of the financial products owned by the user represented by the investment balance of the user information 162 for each type of financial product, obtains the ratio, and compares the ratio with the ratio of the model portfolio information 170. As a result, a category with a low ratio above the threshold is extracted, and recommendation information for recommending financial products of the extracted category is generated. In addition, the financial product recommendation unit 140 selects the type of financial product to be included in the recommendation information from among the multiple types of financial products for each of the multiple regions. A region may be a concept that is larger than a country, such as developed countries or emerging countries, or a geographical concept, such as Asia, Europe, or the Americas, or it may be a country. The multiple types of financial products may be stock funds, bond funds, securities, foreign currency deposits, cryptocurrencies, and the like.

[Ranking]
The ranking processing unit 142 of the financial product recommendation unit 140 selects one or more financial products by ranking processing from among a plurality of financial products corresponding to the type of financial product selected as described above, and ranks the selected one or more financial products. of financial instruments in recommendations. The ranking processing unit 142 performs ranking processing by referring to the financial product information 172, for example.

FIG. 6 is a diagram showing an example of the contents of the financial product information 172. As shown in FIG. The financial product information 172 includes, for example, the identification information such as the name of the financial product, the target country, whether the target country is a developed country or an emerging country, whether it is a stock or a bond, whether it is a stable type or a growth type, the amount of past price fluctuations, etc. , and information such as the amount purchased for the last XX months. The information indicating whether it is a stable type or a growth type is, for example, transcribed from information described in a manual of a fund issued by an investment trust company. The amount of past price fluctuations is statistical amounts such as standard deviation and dispersion of daily prices announced by investment trust companies.

(First example of ranking processing)
The ranking processing unit 142 selects one or more financial products based on, for example, the best-selling information on financial products. Specifically, the ranking processing unit 142 ranks the financial products in descending order of purchase volume in the most recent 0 months, and selects a predetermined number of financial products in order from the top.

(Second example of ranking processing)
The ranking processing unit 142 may refer to the user's personal information and select one or more financial products through ranking processing in accordance with the personal information. Personal information is part or all of the information held as the user information 162 . In this case, the ranking processing unit 142 performs ranking processing based on the user information 162, the financial product information 172, and the ranking guideline information 174, for example.

FIG. 7 is a diagram showing an example of the contents of the ranking guideline information 174. As shown in FIG. As illustrated, the ranking guideline information 174 describes attributes of financial products to be preferentially selected for each user's generation (grouping of ages) and character. For example, if the user is in his 40s to 50s and has a "normal" personality, the ranking processing unit 142 preferentially selects financial products with high volatility in developed countries. High, medium, and low volatility represent whether the value is higher than, between, or lower than two different threshold values. The ranking guideline information 174 may describe the attributes of financial products to be preferentially selected in association with only one of the user's age and personality. It may also describe the attributes of financial products to be selectively selected.

The ranking processing unit 142 may combine ranking processing based on personal information and ranking based on hot-selling information. For example, the ranking processing unit 142 first performs ranking processing based on personal information, selects a group of financial products, performs ranking processing for the selected group of financial products based on hot-selling information, and finally selects one or more financial products. may be selected.

(Third example of ranking processing)
The ranking processing unit 142 ranks one or more of You may choose a financial instrument. “Personal information is similar” means, for example, that a part of focused elements of the personal information matches the target user (or matches when grouped). If the elements of interest are "age" and "gender", the ranking processing unit 142 acquires the age and gender of the target user from the user information 162, to rank financial instruments in descending order of balance.

(Fourth example of ranking processing)
The ranking processing unit 142 accepts designation of ranking conditions by the user, and selects one or more financial products from a plurality of financial products corresponding to the type of the selected financial product by ranking processing based on the received ranking conditions. You may For example, when the user designates "emerging countries", financial products whose target countries are emerging countries are selected by the processing of the above first to third examples.

(Another example of ranking processing)
The ranking processing unit 142 may preferentially select financial products that are frequently searched in the network service.

The results of the ranking process described above are posted on the financial product introduction screen illustrated in FIG. The financial products listed on the financial product introduction screen are first financial products of a type lacking in the user's portfolio based on the model portfolio information 170, and then financial products suitably selected by the ranking process. be. A user viewing the financial product introduction screen is presented not only with the result of evaluating his/her own portfolio, but also with recommended information by citing specific financial products. can be easily considered. As a result, the information providing server 100 can present recommended financial products to the user in a simple manner.

[Correction of model portfolio information]
The model portfolio information correction unit 144 corrects the model portfolio information 170 as necessary. The information providing server 100 may not correct the model portfolio information, in which case the model portfolio information correction unit 144 and the model portfolio information correction guideline information 176 may be omitted.

For example, the model portfolio information correction unit 144 corrects the model portfolio information 170 based on the user's personal information and the model portfolio information correction guideline information 176 . FIG. 8 is a diagram showing an example of the contents of the model portfolio information correction guideline information 176. As shown in FIG. The left diagram of FIG. 8 is an example of guideline information describing calculation rules for the challenge index calculated by the model portfolio information correction unit 144 . The model portfolio information correction unit 144 calculates a challenge index according to, for example, age, personality, presence/absence of children (family structure), and presence/absence of specific hobbies/tastes. Specific hobbies/preferences are hobbies/preferences that generally require large expenditures, such as overseas travel, ships, and works of art. For example, the model portfolio information correction unit 144 calculates a higher challenge index for a younger age group and a lower challenge index for an older age group. Also, the model portfolio information correction unit 144 calculates a high challenge index if the personality is bold, and a low challenge index if the personality is cautious. In addition, the model portfolio information correction unit 144 calculates a low challenge index for users who have children and users who have specific hobbies/tastes, that is, users who tend to spend more. The right diagram of FIG. 8 is an example of guideline information describing a rule for changing the ratio according to the challenge index. When the challenge index is very high, the model portfolio information correction unit 144 increases the ratio of stock funds and decreases the ratio of bond funds, and when the challenge index is slightly high, increases the ratio of emerging countries and advanced countries. Decrease the proportion of countries, increase the proportion of developed countries when the challenge index is moderately low, decrease the proportion of advanced countries, increase the proportion of bond funds when the challenge index is very low, and increase the proportion of equity funds. The model portfolio information 170 is corrected according to rules such as lowering the ratio of . As a result, the model portfolio information 170 can be modified according to the characteristics of the user, and the type of financial product more suitable for the user can be recommended.

According to the embodiment described above, the information acquisition unit 130 that acquires information on financial products owned by the user compares the information on financial products owned by the user with the preset model portfolio information 170. and a financial product recommendation unit 140 that transmits recommended information for recommending a type of financial product that is lacking based on the model portfolio information 170 to the terminal device 400 of the user. can be presented to the user in various forms.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

100 Information providing server 110 Communication unit 120 Main content providing unit 130 Information acquisition unit 140 Financial product recommendation unit 162 User information 170 Model portfolio information 172 Financial product information 174 Ranking guideline information 176 Model portfolio correction guideline information 200 Financial institution server 400 Terminal device

Claims (13)

an information acquisition unit that acquires information on financial products owned by users;
Information on financial instruments owned by said user is compared with preset model portfolio information, and recommendation information for recommending financial instruments of a type lacking based on said model portfolio information is sent to said terminal of said user. a financial product recommendation unit that is transmitted to the device;
An information providing device. The financial product recommendation unit selects a type of financial product to be included in the recommended information from among a plurality of types of financial products for each of a plurality of regions.
The information providing device according to claim 1. The financial product recommendation unit selects one or more financial products by ranking processing from among a plurality of financial products corresponding to the type of the selected financial product, and includes the selected one or more financial products in the recommended information. ,
3. The information providing device according to claim 2. The financial product recommendation unit selects one or more financial products from a plurality of financial products corresponding to the type of the selected financial product by ranking processing based on hot-selling information.
4. The information providing device according to claim 3. The financial product recommendation unit refers to the personal information of the user, and selects one or more financial products from among a plurality of financial products corresponding to the type of the selected financial product by performing a ranking process in line with the personal information. selecting and including the selected one or more financial instruments in the recommendations;
5. The information providing device according to claim 3 or 4. The personal information of the user is the age of the user,
The financial product recommendation unit selects one or more financial products by ranking processing according to the age of the user, and includes the selected one or more financial products in the recommended information.
6. The information providing device according to claim 5. The personal information of the user is the character of the user,
The financial product recommendation unit selects one or more financial products by ranking processing that matches the user's personality, and includes the selected one or more financial products in the recommended information.
7. The information providing device according to claim 5 or 6. The financial product recommendation unit selects one or more financial products by ranking processing in line with the holding tendency of financial products of other users whose personal information is similar to the user, and selects the selected one or more financial products. include in said recommended information;
The information providing device according to any one of claims 5 to 7. The financial product recommendation unit receives designation of ranking conditions by the user, and selects one or more financial products from among a plurality of financial products corresponding to the selected financial product type by ranking processing based on the ranking conditions. select,
The information providing device according to any one of claims 5 to 8. The user's personal information includes information estimated from the user's action history on the network,
10. The information providing device according to any one of claims 5 to 9. The financial product recommendation unit refers to the personal information of the user and corrects the model portfolio information based on the personal information.
11. The information providing device according to any one of claims 1 to 10. the computer
Acquiring information on financial products owned by users,
Information on financial instruments owned by said user is compared with preset model portfolio information, and recommendation information for recommending financial instruments of a type lacking based on said model portfolio information is sent to said terminal of said user. send to the device,
How to provide information. to the computer,
Acquire information on financial products owned by users,
Information on financial instruments owned by said user is compared with preset model portfolio information, and recommendation information for recommending financial instruments of a type lacking based on said model portfolio information is sent to said terminal of said user. have the device send
How to provide information.
program.

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